Happy New Year! Here’s how I rid myself of consumer debt – and took back control of my financial future. (No gimmicks necessary…) First, I sat down with my wife and had an honest conversation about our finances. We talked about where we were, where we were headed, and where we wanted to be. This conversation – and the many…
Category: Debt Reduction
Debt Reduction Basics
I want to thank those of you who have been reading No Credit Needed for years – and welcome new readers. No Credit Needed is the story of our journey from “being in debt” to “being financially free”. Over the past six years, we’ve accomplished a great deal – but we still have so much more to do! At its…
Mortgage Payoff Progress With Chart
In February of 2010 my wife and I purchased our very first home. We took out an conventional 15 year mortgage. Our plan is to pay the mortgage off in less than 10 years – with a stretch goal of paying it off in less than 7. As of January 31, 2011, we have made 11 regular mortgage payments –…